640 Camino De La Reina 1309, San Diego, California 92108, San Diego, 92108 - 3 bed, 2 bath
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640 Camino De La Reina 1309
San Diego, California 92108
ACTIVE
CONDITION: FAIR
3Beds
2Baths
1,330Sq Ft
81,706Lot Size
Property Price
LIST PRICE$695,000
EST. MARKET VALUE
$722,593
3% BelowMARKET VALUE
SUMMARY
This Condominium represents a Strong Value Opportunity, listed at $695,000—positioned well below the $722,594 Fair Market Value by 3%. This valuation gap offers $27,594 in Instant Equity for the buyer. Featuring a Functional Split Floor Plan and a Condition Rating of 4, the unit includes a private deck, resort-style amenities, and brand new dual-pane windows. While the interior offers room for cosmetic modernization, the prime Mission Valley location provides exceptional lifestyle convenience. This is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants seeking long-term value.
Estimated Market Value
$722,593+$27,593 Equity Potential
Based on Realkey algorithm analyzing recent comparable sales in San Diego.
Comparable Sales Map
Comparables within 1 miles sold in recently
Map unavailable.
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 640 Camino De La Reina 1309 Subject 3 bd · 2 ba · 1,330 sqft · $543 | $695,000* List Price | 3 | 2 | 1,330 | $543 | - |
A 550 Camino De La Reina 107 Sold 2 bd · 2 ba · 1,229 sqft · $515 · 0.1 mi | $633,150 | 2 | 2 | 1,229 | $515 | 0.1 mi |
B 8355 Station Village 4316 Sold 2 bd · 2 ba · 1,187 sqft · $611 · 0.9 mi | $725,000 | 2 | 2 | 1,187 | $611 | 0.9 mi |
C 8355 Station Village 4409 Sold 2 bd · 2 ba · 1,176 sqft · $570 · 0.9 mi | $670,000 | 2 | 2 | 1,176 | $570 | 0.9 mi |
D 8355 Station Village Sold 2 bd · 2 ba · 1,176 sqft · $625 · 0.9 mi | $735,000 | 2 | 2 | 1,176 | $625 | 0.9 mi |
E 640 Camino De La Reina 1313 Sold 3 bd · 2 ba · 1,330 sqft · $523 | $695,000 | 3 | 2 | 1,330 | $523 | - |
F 510 Camino De La Reina 135 Pending 2 bd · 2 ba · 1,274 sqft · $471 · 0.1 mi | $599,900 List Price | 2 | 2 | 1,274 | $471 | 0.1 mi |
* Subject property listed price vs sold prices of comps.
Condition Analysis
See Full ReportOVERALL CONDITION SCORE
Fair
TeardownExcellent
Property is moderate renovation needed.
Built in 1995, the property is over 30 years old and features a dated kitchen with traditional wood cabinetry and Corian countertops. While it is well-maintained, functional, and includes recent minor updates like brand new dual-pane windows, it would benefit from cosmetic modernization.
PROSSTRENGTHS & OPPORTUNITIES
- Prime Central Location
Situated in the heart of Mission Valley, this property offers exceptional accessibility to major freeways, Fashion Valley shopping, and Snapdragon Stadium, providing a highly convenient urban lifestyle.
- Functional Split Floor Plan
The 1,330 sqft layout features a desirable split-bedroom design that maximizes privacy, complemented by modern essentials like central air, in-unit laundry, and brand new dual-pane windows.
- Comprehensive Resort Amenities
Located within a secure gated community, the residence includes two reserved underground parking spaces and access to premium facilities including a pool, spa, fitness center, and clubhouse.
CONSRISKS & DEFICIENCIES
- MLS Listing Discrepancy
Living area discrepancy between mls listing and other public or private record. mls listing living area = 1330, other record living area = 1479. Bedroom count discrepancy between mls listing and other public or private record. mls listing bedroom count = 3, other record bedroom count = 2.
- High Association Fees
The monthly HOA fee of $733 is significant and may impact the overall affordability and debt-to-income ratio for prospective buyers.
- Dated Interior Finishes
While functional, the Corian countertops and 1990s-era styling may feel dated to modern buyers, potentially requiring additional investment for contemporary upgrades.
About 640 Camino De La Reina 1309
Welcome to Rio Del Oro, one of Mission Valley's most sought after gated communities. This 3 bedroom, 2 bath residence offers 1,330 square feet with a smart split floor plan that keeps the bedrooms separated for real privacy. Living, dining and kitchen areas flow together and open to a private deck, with a fireplace anchoring the main living space. The kitchen is finished with stainless steel appliances and Corian countertops. The spacious primary suite includes a generous walk in closet and a full en suite bath. Plantation shutters and brand new dual pane windows add comfort and efficiency throughout. Full size washer and dryer in the unit, central air and two reserved underground parking spaces complete the package. Resort style amenities include pool, spa, fitness center and clubhouse. Just outside the gates is the San Diego River trail with miles of scenic walking, plus Fashion Valley, Hazard Center, Snapdragon Stadium, the beaches and the 8, 163, 15 and 5.
Property Details
Public Facts
- Property Type
- Condominium
- Year Built
- 1995
- Lot Size
- 81,706 Sq. Ft.
Interior
- Total Bedrooms
- 3
- Total Bathrooms
- 2 (2 Full, 0 Half)
Exterior & Parking
No exterior & parking available.
Utilities & Misc
- HOA Fee
- $733.0 / Month
Neighborhood Insights
San Diego Unified Schools
Jones Elementary School
Grades K-5 • 2.2 mi
7/10
Taft Middle School
Grades 6-8 • 2.9 mi
5/10
Kearny Construction Tech School
Grades 9-12 • 2.2 mi
8/10
Sensitive Facilities
No sensitive facilities data found.
Neighborhood Comparison
| Feature | Subject | Average Home |
|---|---|---|
| Beds | 3.0 | 2.0 |
| Baths | 2.0 | 2.0 |
| Square foot | 1,330 | 1,018.142 |
| Lot Size | 81,706 | 75,257.211 |
| Price | $695.0K | $598.4K |
| Price per sq ft | $523 | $607 |
| Built year | 1995 | 1986 |
| HOA | $733.0 | $536 |
| Days on market | 36 | 58 |
Pricing History
Listed for Sale
Sep 19, 2026
$695,000
Initial Listing
Sold
Aug 31, 2022
$699,000
Public Record
Sold
Jun 16, 2017
$459,000
Public Record
Sold
Mar 7, 2008
$442,500
Public Record
Sold
Sep 14, 2004
$489,000
Public Record
Sold
May 9, 2002
$340,000
Public Record
Sold
Sep 1, 1994
$153,000
Public Record